{"id":436494,"date":"2024-11-12T13:08:35","date_gmt":"2024-11-12T10:08:35","guid":{"rendered":"https:\/\/analyse.optim.biz\/?p=436494"},"modified":"2024-11-12T13:08:35","modified_gmt":"2024-11-12T10:08:35","slug":"florin-balcan-alb-in-contextul-in-care-vine-o-directiva-de-consum-in-care-merge-in-directia-aceasta-de-a-se-asigura-ca-nu-exista-dobanzi-excesive-cumva-am-inteles-ca-este-o-nevoie-in-aceasta-direct","status":"publish","type":"post","link":"https:\/\/analyse.optim.biz\/?p=436494","title":{"rendered":"Florin B\u00e2lcan, ALB: \u00cen contextul \u00een care vine o directiv\u0103 de consum \u00een care merge \u00een direc\u0163ia aceasta de a se asigura c\u0103 nu exist\u0103 dob\u00e2nzi excesive, cumva am \u00een\u0163eles c\u0103 este o nevoie \u00een aceast\u0103 direc\u0163ie \u015fi la noi \u00een \u0163ar\u0103. Ceea ce ne-am dorit \u00een discu\u0163iile cu legiuitorul a fost s\u0103 ne asigur\u0103m c\u0103 orice form\u0103 de lege vine nu are un impact nedorit asupra sectorului"},"content":{"rendered":"
\n

\u00cen contextul \u00een care vine o directiv\u0103 de consum \u00een care merge \u00een direc\u0163ia aceasta de a se asigura c\u0103 nu exist\u0103 dob\u00e2nzi excesive, cumva am \u00een\u0163eles c\u0103 este o nevoie \u00een aceast\u0103 direc\u0163ie \u015fi la noi \u00een \u0163ar\u0103. Ceea ce ne-am dorit \u00een discu\u0163iile cu legiuitorul a fost s\u0103 ne asigur\u0103m c\u0103 orice form\u0103 de lege vine nu are un impact nedorit asupra sectorului, a spus Florin B\u00e2lcan, Pre\u015fedinte Consiliul de Credit de Consum, ALB, \u00een cadrul conferin\u0163ei organizat\u0103 de ALB Rom\u00e2nia la sediul BNR, la care Ziarul Financiar este partener media.<\/p>\n

\u201eVersiunea de lege la care s-a ajuns \u00een momentul de fa\u0163\u0103 este o lege care ajut\u0103 consumatorul, \u00eei d\u0103 mai multe posibilit\u0103\u0163i, o rat\u0103 mai redus\u0103, sum\u0103 mai mare, termen diferit. Credem c\u0103 poate corecteaz\u0103 ni\u015fte excese din pia\u0163\u0103, dar mai ales credem c\u0103 permite juc\u0103torilor one\u015fti s\u0103 continue s\u0103-\u015fi exercite rolul\u201d, a mai ad\u0103ugat Florin B\u00e2lcan<\/p>\n

Ce a mai spus Florin B\u00e2lcan, Pre\u015fedinte Consiliul de Credit de Consum\u00a0ALB<\/strong><\/p>\n

Adesea ne lovim de aceast\u0103 idee c\u0103 suntem scumpi, iar adev\u0103rul este c\u0103 tr\u0103im realit\u0103\u0163i diferite. Sunt destule elemente pe care le facem diferit fa\u0163\u0103 de banc\u0103.<\/p>\n

Din perspectiva costului de finan\u0163are, nu atragem depozite, deci trebuie s\u0103 lu\u0103m de pe pia\u0163a extern\u0103.<\/p>\n

Ast\u0103zi , un cost de finan\u0163are este dublu fa\u0163\u0103 de ce pune banca pe pia\u0163\u0103. Din start am pornit c\u0103 suntem mai scumpi. Ulterior, ne ducem la categorii mai riscante de clien\u0163i, iar acest risc se va reg\u0103si \u00eentr-o dob\u00e2nd\u0103 mai mare.\u00a0\u00a0<\/p>\n

Costul de acordare al unui \u00eemprumut nu este neaparat direct propor\u0163ional cu suma acordat\u0103 \u00eentre un \u00eemprumut de 1.000 lei \u015fi unul de 100.000 euro, costul de acrodare nu o s\u0103 fie propor\u0163ional la fel de mare.<\/p>\n

Pe de alt\u0103 parte, nu ne dorim s\u0103 fim foarte scumpi, dar asta este realitatea.\u00a0\u00a0Acest lucru nu ne \u00eempiedic\u0103 s\u0103 discut\u0103m de creditare responsabil\u0103 \u015fi nu ne \u00eempiedic\u0103 s\u0103 fim responsabili.<\/p>\n

Cred c\u0103 sunt c\u00e2teva elemente importante pe care le putem face, primul este transparen\u0163a. S\u0103 ne asigur\u0103m c\u0103 avem clien\u0163ii informa\u0163i cu toate costurile. \u00cen al doilea r\u00e2nd s\u0103 nu \u00eei supra\u00eendator\u0103m \u015fi le d\u0103m\u00a0\u00a0c\u00e2t \u00ee\u015fi permit. Apoi vorbim de educa\u0163ie financiar\u0103, unde to\u0163i ar trebui s\u0103 continu\u0103m s\u0103 ajut\u0103m clien\u0163ii s\u0103 \u00een\u0163eleag\u0103 c\u00e2nd e bine s\u0103 ia un \u00eemprumut.<\/p>\n

Am mai v\u0103zut exemple \u00een Slovacia unde au venit cu plafon\u0103ri at\u00e2t de puternice \u00eenc\u00e2t mul\u0163i au ie\u015fti de pe pia\u0163\u0103.<\/p>\n<\/div>\n

Source URL: https:\/\/www.zf.ro\/banci-si-asigurari\/florin-balcan-alb-contextul-vine-directiva-consum-merge-directia-22552299<\/p>\n","protected":false},"excerpt":{"rendered":"

\u00cen contextul \u00een care vine o directiv\u0103 de consum \u00een care merge \u00een direc\u0163ia aceasta de a se asigura c\u0103 nu exist\u0103 dob\u00e2nzi excesive, cumva am \u00een\u0163eles c\u0103 este o nevoie \u00een aceast\u0103 direc\u0163ie \u015fi la noi \u00een \u0163ar\u0103. Ceea ce ne-am dorit \u00een discu\u0163iile cu legiuitorul a fost s\u0103 ne asigur\u0103m c\u0103 orice form\u0103 […]<\/p>\n","protected":false},"author":1,"featured_media":436495,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[28],"class_list":["post-436494","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-politics","tag-zf-ro"],"_links":{"self":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/436494","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=436494"}],"version-history":[{"count":0,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/436494\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/media\/436495"}],"wp:attachment":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=436494"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=436494"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=436494"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}